TD Bank HELOCs are only available in 15 states on the East Coast, plus Washington D.C., but it is the best regional lender on our list because there is no minimum draw, and you can access a credit line between $25,000 and $500,000. There is an annual fee of $50 on lines of $50,000 or more, and an origination fee of $99, though.

 You may also pay an early termination fee of 2% of the HELOC amount (up to $450) if you pay off your balance within 24 months of the date it’s opened.